American Lake Federal Credit Union

Headquarters: Lakewood, Washington
Charter: Credit Union
Assets: $59.6M
Fed district: San Francisco

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 16, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compass Essential Checking $4 · Money Plus Checking $5 · Compass Advantage Checking $6 · Compass Reserve Checking $8
Compared at $5.50, the middle of its prices
American Lake Federal Credit Union: $4 to $8
American Lake Federal Credit Union: $4 to $8
U.S. median: no median
Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
American Lake Federal Credit Union: $20 to $30
American Lake Federal Credit Union: $20 to $30
U.S. median: no median
NSF / Returned Item
Compared at $25, the middle of its prices
American Lake Federal Credit Union: $20 to $30
American Lake Federal Credit Union: $20 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from American Lake Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Compass Advantage Checking Maintenance Fee$6
per month
Compass Essential Checking Maintenance Fee$4
per month
Compass Reserve Checking Maintenance Fee$8
per month
Money Plus Checking Maintenance Fee$5
per month
Inactive Account Fee$10
per month
Returned Statement Fee$3
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Fee$20
per item
Courtesy Pay Fee$30
per transaction
Non-Sufficient Funds (NSF)$20
per item
Non-Sufficient Funds (NSF) – Returned$30
per transaction
Returned item fee$25

ATM & Card

Replacement card fee$10
per item
International Service Assessment1%of the transaction

Check Services

Cashier's Checks$3
per item
Cashier’s Checks$1
Money Orders$2
per item
Stop Payment$20
To place a stop payment$20
Foreign Check Exchange Cost of collection passed on to member: Wire Transfers$15
Fee for photocopy of corporate check$1

Digital & Electronic

One Time ACH Origination$25
per item

Cash & Deposit

Loose Coin Counting (audience not stated, treated as personal)5%
Returned Deposit Items$25

Account Services

Nonmember Notary Fee$5
Processing levies and garnishments$50
per item

Other Fees

Account$2.50
per item
Copies of Statements, History Print Out$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Compass Advantage Checking Maintenance Fee	$6	per month	None
Compass Essential Checking Maintenance Fee	$4	per month	None
Compass Reserve Checking Maintenance Fee	$8	per month	None
Money Plus Checking Maintenance Fee	$5	per month	None
Inactive Account Fee	$10	per month	None
Returned Statement Fee	$3Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Fee	$20	per item	None
Courtesy Pay Fee	$30	per transaction	None
Non-Sufficient Funds (NSF)	$20	per item	None
Non-Sufficient Funds (NSF) – Returned	$30	per transaction	None
Returned item fee	$25	Not stated	None
ATM & Card
Replacement card fee	$10	per item	None
International Service Assessment	1%of the transaction	Not stated	None
Check Services
Cashier's Checks	$3	per item	None
Cashier’s Checks	$1	Not stated	None
Money Orders	$2	per item	None
Stop Payment	$20	Not stated	None
To place a stop payment	$20	Not stated	None
Foreign Check Exchange Cost of collection passed on to member: Wire Transfers	$15	Not stated	None
Fee for photocopy of corporate check	$1	Not stated	None
Digital & Electronic
One Time ACH Origination	$25	per item	None
Cash & Deposit
Loose Coin Counting (audience not stated, treated as personal)	5%	Not stated	None
Returned Deposit Items	$25	Not stated	None
Account Services
Nonmember Notary Fee	$5	Not stated	None
Processing levies and garnishments	$50	per item	None
Other Fees
Account	$2.50	per item	None
Copies of Statements, History Print Out	$1	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 16, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when American Lake Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.